Pre-Tax Contributions andTax-Free Accumulation of Funds
Health Savings Accounts provide both Employers and Employees an
innovative way to solve the problem of rising health care costs.
At Trust Administrators, we offer a comprehensive, seamless platform
for administering HSAs, Flexible Spending Accounts (FSAs) and Health
Reimbursement Arrangements (HRAs).
HSAs Offer A Win-Win Solution Now And For The Future
Health Savings Accounts (HSAs) were created by the Medicare Prescription Drug,
Improvement and Modernization Act of 2003 adding section 223 to the Internal Revenue
Code effective January 1, 2004. These individually owned accounts act like medical IRAs.
HSAs allow individuals to pay for “qualified” health care expenses now using pre-tax
contributions and throughout their lifetime on a “Tax-Free” basis.
• Lower premiums than traditional PPOs or
• Affordable premiums and more control
Free contributions through a section 125
• Curb the on-going problem of shifting
• Combine with an FSA using the FSA for
• Account is portable, stays with owner.
• TAI administers plans from Aetna, Blue
Cross & Blue Shield, California Choice,
CIGNA, Guardian, Humana, Kaiser, Pacific
Advantage, Principal, Nationwide, United
Brokers and Consultants
• Offer TAI as the single source for all
HSAs may only be established by individuals
consumer-driven health care services: HSAs,
with High Deductible Health Plans (HDHP) and
may not be covered by another plan unless
coverage is for accidents, disability, dental,
solving their rising health care costs.
For 2005, an HDHP has (1) an annual deductible of at least $1,000 and a maximum of $2,650 for
individual coverage and at least $2,050 for family coverage and a maximum of $5,250.
These are in-network amounts. Out of network
• Withdrawals or TAI reimbursement are tax-
deductibles could be higher; and (2) the
free if used for eligible health care expenses
maximum out-of-pocket expenses are capped at
$5,100 for individual coverage and $10,200 for
• No “Use-it or Lose-it” forfeiture like a Flexible
family coverage. Maximum out-of-pocket is
Spending Account - funds roll over each year.
usually the deductible plus coinsurance for office
• Works in conjunction with High Deductible
Health Plans (HDHPs) from insurance companies (see Legal Requirements).
Catch-up provisions for individuals who are 55
or older is an additional $600 for 2005 ($500 in
Sample List of HSA Expenses
The TAI Advantage
As an independent HSA administrator with over
20 years of medical claims experience and a
national reputation, Trust Administrators offers a
comprehensive range of value added services for
• Competitive monthly fee for each HSA. No
termination fees, no transaction fees and no
• Employer administration kit with sample
letter introducing HSAs to employees.
• Employee Summary with information about
• Online Account management for employers
and employees with detailed financial reports.
• Payment to providers or account holder.
• Account holder reimbursement through
employer payroll, direct deposit or check.
• Tax Advice about “eligible” expenses.
• Integrate HSA with TAI’s FSA or HRA
administration for a “one” claim system.
Covered Expenses Include Over-The-Counter Drugs and Medical Supplies
ANTACIDS: Alka-Seltzer, Amphojel, Anusol, Bromo Seltzer, Citrucel, Dulcolax, Ex-Lax, Fibercon, Fleets Enema, Gas-X, Maalox, Milk of Magnesia, Mylanta, Pepcid, Pepto-Bismol, Prilosec OTC, Rolaids, Tagamet, Tums, Zantac
COLD-ALLERGY: Actifed, Afrin, Antihistamines, Benadryl, Chloraseptic, Chlor-Trimeton, Claritin, Cold-Eeze, Comtrex, Coricidin, Dimetapp, Drixoral, Nyquil, Robitussin, Sucrets, Sudafed, Suphedrin, Theraflu, Vics 44D
DIAGNOSTIC DEVICES: Blood sugar test kits, HIV test kits, Pregnancy test kits, Thermometers
MEDICAL EQUIPMENT: Beds (special needs), Breast pump, Crutches, Ionizer, Wheelchair
MEDICAL SUPPLIES: Ace “Elastic” bandage, Adhesive strips (Band-aids), Adhesive tape, Butterfly bandages, Cotton balls, Insulin, Q-tips, Nicotine Patch and Gum, Saline solution, Sterile gauze pads
OINTMENTS & TOPICAL TREATMENTS (supplies): Alcohol (“isopropyl”), Bacitracin, Bactine, Caladryl, Calamine, Clearasil, Corn removal medicine, Cortaid (“hydrocortison”), Freezone, Gyne-Lotrimine, Hydrogen peroxide, Lanacain
PAIN RELIEVERS: Aspirin, Advil, Alleve, Anacin, Bayer, Bufferin, Cystex, Doans, Dramamine, Excedrin, Ibuprofen, Legatrin, Midol, Motrin, Naproxen, Pamprin, Tylenol 2005 Royce A. Charney, J.D. for Trust Administrators, Inc. All Rights
INDEX Rates April 2010 Allopathic . 2 Homeopathic Remedy - S .32 Amino Acids . 2 Homeopathic Remedy - T .34 Bach Remedy . 3 Homeopathic Remedy - U .36 Bacteria . 3 Homeopathic Remedy - V .36 Bailey Flower Essences . 4 Homeopathic Remedy - W .36 Biochemic Tissue Salt . 5 Homeopathic Remedy - X .36 Bush Flower Essence . 5 Homeopathic Remedy - Y
Review Article © Schattauer 2012 Molecular imaging of matrix metalloproteinases in atherosclerotic plaques Sébastien Lenglet1; Aurélien Thomas2; Pierre Chaurand2; Katia Galan1; François Mach1; Fabrizio Montecucco1 1Cardiology Division, Foundation for Medical Research, Department of Medical Specialties, University of Geneva, Geneva, Switzerland; 2Department of Chemistry, Montréa